Warren, OH · Charter 4590
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Warren, OH · Charter 4590
Q2 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.13% | 0.14% | -2.03% | -6.20% | -643 bps | |
| Return on Equity | 3.02% | 1.67% | 1.75% | -29.41% | -145.87% | -14,889 bps | |
| Net Interest Margin | 3.75% | 3.91% | 3.93% | 3.78% | 3.75% | 0 bps | |
| Efficiency Ratio | 91.42% | 89.65% | 90.66% | 89.29% | 177.81% | +8,639 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.70% | -5.84% | -2.95% | 2.21% | 6.95% | +1,566 bps | |
| Loan Growth (YoY) | -0.06% | -4.63% | -4.38% | -2.89% | 0.70% | +76 bps | |
| Share Growth (YoY) | -9.04% | -7.49% | -2.54% | 3.77% | 8.99% | +1,803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.05% | 1.41% | 1.56% | 1.50% | +53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.32% | 0.33% | 0.33% | 0.53% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.69% | 7.83% | 7.81% | 6.90% | 4.25% | -344 bps | |
| Net Worth / Assets | 7.69% | 7.83% | 7.81% | 6.90% | 4.25% | -344 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.26% | 98.07% | 96.11% | 90.38% | 88.94% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |